Job Title:
Universal Banker
Reports To:
Branch Manager
Summary:
The Universal Banker is responsible for delivering an exceptional customer experience by performing both teller and personal banker functions. This position requires strong relationship-building skills, the ability to cross-sell financial products, and accuracy in processing transactions. The Universal Banker plays a key role in achieving branch goals while ensuring compliance with regulatory requirements and bank policies.
Essential Duties & Responsibilities:
- Provide outstanding service to all customers by handling transactions efficiently and professionally.
- Open and maintain deposit accounts, process loan applications, and assist customers with digital banking services.
- Identify customer needs and recommend financial solutions to enhance their banking relationship.
- Meet or exceed sales and referral goals as assigned.
- Accurately process cash transactions, maintain a balanced cash drawer, and adhere to security protocols.
- Resolve customer inquiries, complaints, and problems in a timely manner.
- Ensure compliance with all bank policies, procedures, and federal regulations including BSA/AML.
- Support branch operations, including opening/closing procedures and audits.
- Participate in ongoing training and development activities to maintain job knowledge.
Qualifications:
- High school diploma or equivalent required; college degree preferred.
- Minimum 1–2 years of banking, retail sales, or customer service experience.
- Cash handling experience strongly preferred.
- Excellent verbal, written, and interpersonal communication skills.
- Proficiency in Microsoft Office and ability to learn banking systems quickly.
- Ability to work flexible hours as needed.
Competencies:
- Customer Focus
- Sales Orientation
- Accuracy & Attention to Detail
- Teamwork & Collaboration
- Problem-Solving
